you know, i do have concerns about tax reform. i think the general consensus is that nothing will happen to munis in the debt ceiling talks, but there is a lot of talk about tax reform having some form of tax or limit on deductions for municipalities, and i -- i definitely think that's a possibility. >> okay. so the impact is you're worried about this? >> i'm concerned. i think that everything is on the table. that's what we've heard from washington, and it's hard to make the argument for munis against the argument for charitable deductions, against the argument for mortgage deductions, so i do think it's something that people need to be cautious about. as a result if i were an investor right now, i would be investing with a shorter duration. and i've said this a lot over the last couple of years, with all the things that have gone on, i would have a professional managing my municipal money, whether it's in a mutual fund, an etf or separately managed account. >> having said that, what are your picks, a few muni picks? >> i did lon